A Gentler Path to Homeownership.
Low down payments, flexible credit — built for first-time buyers.
Why borrowers choose this path.
FHA loans are government-insured and designed to open the door for first-time buyers, lower-credit borrowers, and families building back up. With down payments as low as 3.5% and flexible underwriting, FHA is often the right first step into a home of your own.
- Down payments as low as 3.5%
- Credit scores from 580 (sometimes lower)
- Higher debt-to-income tolerance
- Gift funds allowed for down payment
- Streamline refinance options
- Eligible for 1–4 unit properties
Built around your goals.
3.5% Down Payment
One of the lowest down payment requirements available with full credit underwriting.
Flexible Credit
Approvals possible with credit scores in the 580s — and sometimes lower with compensating factors.
Gift Funds Welcome
100% of your down payment can come from a family gift — a huge boost for first-time buyers.
First-Time Buyer Friendly
FHA underwriting is built to give new buyers a fair, common-sense path to approval.
Streamline Refinance
Already have an FHA loan? Streamline refis cut paperwork and close fast when rates drop.
Multi-Unit Eligible
Buy a 2–4 unit property, live in one, and rent the rest — house hacking with FHA.
Good to know.
Do I have to be a first-time buyer to use FHA?+
No — FHA is open to any qualified borrower as long as the property is your primary residence. Many move-up buyers use FHA when credit or down payment is the limiting factor.
What's the catch with mortgage insurance?+
FHA charges both an upfront mortgage insurance premium and a monthly one. On most loans, the monthly MIP stays for the life of the loan — so we'll compare against conventional carefully if your credit and down payment qualify.
What credit score do I need?+
FHA technically allows scores down to 500 with 10% down, or 580 with 3.5% down. Most lenders set overlays around 620 — we'll talk through where you actually stand.
Can I use FHA for a fixer-upper?+
Yes — the FHA 203(k) renovation loan rolls purchase plus repairs into a single mortgage. Great for buyers eyeing a home that needs work.
Cleared for takeoff.